Token Processing Network for Secure Bill Payment
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Solution Overview
Problem
Existing bill payment systems are vulnerable to man-in-the-middle attacks and require multiple authentication credentials for different billers, making them difficult for users to manage and increasing communication complexity.
Innovation Solution
A method and system that utilize tokens or token reference identifiers to process bill payments, where a processing network computer receives and transmits these tokens to biller computers, generating authorization request messages that are authorized by an authorizing entity computer, thereby reducing the need for multiple credentials and enhancing security.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If real credentials are used to process bill payments, then bill payment functionality is achieved, but the system becomes vulnerable to man-in-the-middle attacks
Solution Approach 1:
The patent introduces a processing network computer as an intermediary between the user and the biller. This intermediary receives credentials from the user, processes the bill payment, and communicates with the biller without exposing the actual credentials to the biller or potential eavesdroppers, thereby preventing man-in-the-middle attacks while maintaining payment functionality
Solution Approach 2:
The patent creates a copy of the credential processing function through the processing network computer. Instead of transmitting actual credentials directly to the biller, the system creates and uses a proxy representation (the processing network computer acting on behalf of the user) to handle the payment, thus protecting the original credentials from exposure
2Adaptability or versatility
If multiple access credentials are used to access various billers, then compatibility with different billers is achieved, but the complexity of credential management increases
Solution Approach 1:
The processing network computer serves multiple functions: it acts as a credential manager, payment processor, and communication intermediary. By making this single system multi-functional, the patent eliminates the need for users to manage separate credentials for different billers, as the processing network computer handles all credential storage and transmission universally across multiple biller interactions
Solution Approach 2:
The patent merges the credential management function with the payment processing function into a single integrated system (the processing network computer). Instead of having separate credential stores and transmission mechanisms for each biller, the system combines these functions, allowing users to manage their credentials in one place while the processing network computer handles communication with multiple billers
Data Source
AI summary
A method includes receiving a token associated with the credential or a token reference identifier associated with the token from a processor computer. The method also includes transmitting the token to a biller computer, which uses the token to process the bill, by generating an authorization request message comprising the token for an interaction involving the bill. The method also includes receiving the authorization request message comprising the token, retrieving the credential associated with the token, and transmitting a modified authorization request message including the credential to an authorizing entity computer, which authorizes the interaction.